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        <title><![CDATA[what to do when insurance won't accept fault - Michael P. Maddux, P.A.]]></title>
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        <description><![CDATA[Michael P. Maddux, P.A.'s Website]]></description>
        <lastBuildDate>Mon, 03 Aug 2026 19:51:51 GMT</lastBuildDate>
        
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                <title><![CDATA[Police Said They Were at Fault. Why Won’t Insurance Pay?]]></title>
                <link>https://www.madduxattorneys.com/blog/insurance-denies-fault-police-report/</link>
                <guid isPermaLink="true">https://www.madduxattorneys.com/blog/insurance-denies-fault-police-report/</guid>
                <dc:creator><![CDATA[Michael P. Maddux, P.A. Team]]></dc:creator>
                <pubDate>Wed, 08 Apr 2026 04:00:00 GMT</pubDate>
                
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                    <category><![CDATA[why does insurance dispute fault in Florida]]></category>
                
                
                
                <description><![CDATA[<p>Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years It catches many people off guard: a police officer determines the other driver was at fault, yet the insurance company still refuses to accept liability. While police reports are valuable, they are not the final&hellip;</p>
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<figure class="aligncenter is-resized"><img decoding="async" src="/static/2026/07/90_6a1059103c3aed7c63820b93.jpg" alt="Disputed liability infographic explaining how attorneys challenge insurance denials when police reports and insurer findings conflict." style="width:1200px"/></figure>
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<p><strong><em>Reviewed by Michael P. Maddux, Esq. | Board Certified Criminal Trial Lawyer | Florida Super Lawyer for 16 Consecutive Years</em></strong></p>



<p>It catches many people off guard: a police officer determines the other driver was at fault, yet the insurance company still refuses to accept liability.</p>



<p>While police reports are valuable, they are not the final word. Insurance adjusters conduct their own evaluations and may attempt to shift or dispute fault to limit what they pay.</p>



<p>That’s where we step in. Our team builds a stronger, evidence-driven case—gathering additional proof, challenging unsupported denials, and pushing back until accountability is clear.</p>



<p>Because when liability is on your side, it should be recognized—and enforced.</p>
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